The bill requires health insurance contracts for groups with more than 50 persons in New Jersey to include coverage for medically necessary expenses related to infertility diagnosis and treatment, as well as preimplantation genetic testing (PGT) associated with in vitro fertilization (IVF). This coverage is mandated even for individuals not classified as infertile, specifically to prevent the transmission of serious genetic conditions to offspring. The bill outlines that various infertility-related services, including IVF, embryo transfer, and certain genetic testing, must be covered, while also establishing eligibility criteria for these services. It clarifies the definition of infertility and introduces the term "preimplantation genetic testing," ensuring that benefits for these services are equivalent to those for other pregnancy-related procedures.

Additionally, the bill allows religious employers to request exclusions from coverage that conflict with their beliefs and specifies that the provisions do not apply to contracts providing benefits under certain state assistance programs. It mandates that the same copayments, deductibles, and benefit limits apply to infertility treatments as those for other medical or surgical benefits. The bill also includes specific exclusions, such as infertility resulting from voluntary sterilization procedures, and requires that the School Employees Health Benefits Commission ensure coverage for infertility-related expenses in their health benefits program. The act is set to take effect 90 days after enactment and will apply to policies or contracts issued or renewed thereafter.

Statutes affected:
Introduced: 17:48-6, 17:48A-7, 17:48E-35.22, 17B:27-46.1, 26:2J-4.23, 52:14-17.29, 52:14-17.46.6